The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,037
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,380
−HK$349/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,278
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,244
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$418/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,734
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$401/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,060/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$488/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$468/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$628/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,101
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$602/mo
Today · 4.125%
HK$23,295
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,227/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,590/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,507 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).